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Take notice that the Fair Foreclosure Act, N.J.S.A. 2A:50-53 et seq., requires a creditor to give the debtor notice of intention to take action 30 days before commencing a foreclosure. The notice must clearly and conspicuously state the possible availability of financial assistance for curing a default through programs operated by the State or Federal government or non-profit organizations, if any, as identified by the Commissioner of Banking and Insurance. The Act further provides that this requirement may be satisfied by attaching a list of such programs promulgated by the Commissioner.

Following is a list of these programs. The Department intends to publish this list annually. If you have information regarding any necessary additions or changes to this list, please contact the following office:

• American Credit Alliance, Inc.
  26 South Warren Street
  Trenton, NJ 08608
  (609) 393-5400

• Atlantic Human Resources, Inc.
  1 South New York Avenue
  Atlantic City, NJ 08401
  (609) 348-4131

• Bayonne Economic Opportunity Foundation (Bayonne residents only)
  555 Kennedy Boulevard
  PO Box 1032
  Bayonne, NJ 07002
  (201) 437-7222

• Catholic Charities of the Diocese of Metuchen
  540-550 Route 22 East
  Bridgewater, NJ 08807
  (908) 722-1881

• Citizen Action (Offices statewide)
  400 Main Street
  Hackensack, NJ 07601
  1-800-NJOWNER

• Consumer Credit Counseling Service of Central 樱花视频
  117 Estates Boulevard
  Trenton, NJ 08610
  (609) 585-8220

• Consumer Credit Counseling Service of 樱花视频
  185 Ridgedale Avenue
  Cedar Knolls, NJ 07927-1812
  (973) 267-4324

• Fair Housing Council of Northern 樱花视频
  131 Main Street
  Hackensack, NJ 07601
  (201) 489-3552

• Family Service Association of Atlantic County
  312 E. White Horse Pike
  Absecon, NJ 08201
  (609) 652-4100

• Garden State Consumer Credit Counseling, Inc.
  225 Willowbrook Road
  Freehold, NJ 07728
  1-800-992-4557

• Housing Coalition of Central Jersey
  78 New Street
  New Brunswick, NJ 08901
  (732) 249-9700

• Jersey Counseling & Housing Development, Inc.
  29 Blackhorse Pike
  Blackwood, NJ 08012
  (856) 227-3683

• Jersey Counseling & Housing Development, Inc.
  1840 South Broadway
  Camden, NJ 08104
  (856) 541-1000

• Mercer County Hispanic Association
  200 E. State Street 2^nd Floor
  Trenton, NJ 08607
  (609) 392-2446

• Middlesex County Economic Opportunities Corporation
  1215 Livingston Avenue
  North Brunswick, NJ 08902
  (732) 846-6600, ext. 226

• Monmouth County Human Services
  Housing Services Unit
  PO Box 3000
  Freehold, NJ 07728
  (732) 431-7998

• Morris County Fair Housing Council
  65 Spring Street
  Morristown, NJ 07963
  (973) 538-2975

• Ocean Community Economic Action Now, Inc.
  10 Washington Street
  Toms River, NJ 08753-0773
  (732) 244-2351, ext. 14

• Paterson Coalition for Housing, Inc.
  262 Main Street, 5^th Floor
  Paterson, NJ 07505
  (973) 684-5998

• Paterson Task Force for Community Action, Inc.
  155 Ellison Street
  Paterson, NJ 07505
  (973) 279-2333

• Tri-County Community Action Agency, Inc.
  110 Cohansey Street
  Bridgeton, NJ 08302
  (856) 451-6330

• Urban League for Bergen County
  106 West Palisade Avenue
  Englewood, NJ 07631
  (201) 568-4988

• Urban League for Essex County
  508 Central Avenue
  Newark, NJ 07101
  (973) 624-9535

• Urban League of Union County
  288 North Broad Street
  Elizabeth, NJ 07208
  (908) 351-7200

* Basic eligibility is limited to: (a) single family owner/occupied dwellings with all those on the deed and mortgage occupying the house; (b) no more than one mortgage or lien encumbrance on the property; (c) no initiated or ongoing bankruptcy. Assistance will be in the form of a loan, and a lien will be placed on the property. The family must document the financial reason for nonpayment. At the time of the eligibility decision, the household must have and document sufficient income to support the household and repay the loan. There is a fee for the credit check and property search.